Privacy Policies and Legal Disclaimers

Member Access Privacy Policy

At the Illinois Municipal Retirement Fund (IMRF), we know the importance of data security. Whether you are a current member or just visiting our Website, we are committed to protecting the information and data you provide in the same way we protect it when you provide it to us over the phone, in person or through the mail. Because we value your relationship with us, we have detailed below our privacy objectives for our Website:

Security Practices

We recognize and respect your desire for privacy when it comes to your personal
and financial affairs. We attempt to protect online information according to
established security standards and practices, and we continually evaluate new
technologies for safeguarding information.

Surveys and Forms

You may have the opportunity to provide information to us through online surveys and forms. We use this information to better understand member needs and to provide quality services.

IMRF wants your visit to our Website to be informative and enjoyable. We use information we obtain from you to help us continually improve the content, functionality and overall usefulness of our Website. Please note that we generally do not collect identifying information about you when you respond to a survey. If a particular form or survey will collect identifying information, we will explicitly state so.

Use of Email

Your Member Access account contains a secure messaging function that allows you to send a message to IMRF through the secure portal. Social Security numbers and other confidential data are protected in the transmission between your computer and IMRF when you use this secure messaging. Email sent outside of Member Access may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email transmission. An email transmission may be stored, copied, altered or destroyed at any point during transmission. You should never use regular email to transmit a Social Security number or other confidential data.

If you do contact IMRF via email, we may preserve the content of your message, your email address, and our response so that we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements.

IMRF will never send any confidential information to you by email. We will also never send you an email that requests confidential information from you, such as your Social Security number, your user ID and password, or other personal information.

However, we may send you email that requests you to log in to your secure Member Access account to view information specific to your account. Such emails will always direct you to visit www.imrf.org and to log in to your secure account.

If you receive an email that directs you to another website or asks for confidential information, do not respond and contact IMRF immediately at 1-800-ASK-IMRF (1-800-275-4673).

When we begin sending email that notifies you of available information in the secured Member Access area, we will provide an opt-out procedure for those users who do not wish to be contacted by email for any reason.

We do not share your email address or any other personal information with any third parties.

Confidentiality

Again, please use your own best judgment when sending information via the Internet to an email address. Email sent via the Internet may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email transmission. An email transmission may be stored, copied, altered or destroyed at any point during transmission.

If you have personal or confidential information to relay to us, or need to obtain personal or confidential information from IMRF, please use the secure electronic message function of your Member Access account or call an IMRF Member Service Representative at 1-800-ASK-IMRF (1-800-275-4673).

To ensure the confidentiality of your information, IMRF strongly recommends that you take the following steps to ensure that your information is protected:

Do not disclose your user ID and password to anyone

Do not place your user ID or password in an accessible location

Do not leave the computer unattended while you are logged in to your account

Always log off of IMRF’s secure areas when you are finished viewing or submitting information.

As you browse IMRF Online’s non-secure areas, no personal information is revealed or recorded about you. Our server does log information about your service provider, the date and time pages are accessed, and (if applicable) the internet address linking you to IMRF Online. This information is used solely for tracking the site’s usage and performance. IMRF does not share this data with any third parties.

Updates to the Statement

Evolving technology will continue to provide us with new and better ways to use the web to better serve your needs. We may revise or update the IMRF Privacy Statement in the future to reflect these technological advances, and we encourage you to return to this page from time to time for any updates.

Member Access Legal Disclaimer

Accuracy of Information

At all times, the provisions of the Illinois Pension Code govern the terms and conditions of the Illinois Municipal Retirement Fund (IMRF) and all benefits payable. In case of any conflict between the Pension Code and public information found or provided on this website or data submitted by an employer, the Pension Code will always apply.

The Illinois Municipal Retirement Fund (IMRF) has made every effort to present the public information contained on this site accurately, but additions, deletions and changes may occur and updates may not always be timely. IMRF has no obligation to update this site, and any information presented may be out of date and may contain inaccuracies or errors. The public information is also limited in nature and does not contain all the applicable terms, conditions, limitations or exclusions of the IMRF plan. Complete terms, conditions, limitations and exclusions are found in the Illinois Pension Code and can be obtained by contacting IMRF or your Authorized Agent. Information supplied by IMRF is provided "as is" and neither IMRF nor its trustees or employees make any representation or warranty with respect to the content or information furnished hereunder.

The information found via the secure areas of IMRF Online accurately reflects IMRF’s current record. This record can change because of an IMRF audit or because of new data received from the employer or member.

Employer and member paper forms and reports are date stamped when IMRF processes them into our imaging system. This date is then used as the date of receipt in IMRF’s system. Paper forms may require a few days for processing. If a submitted paper form is not shown today, please check back at another time.

There are risks associated with using the Internet, including, without limitation, the failure of hardware, software and/or Internet connections. IMRF is not responsible for any failures, distortions, delays, or other problems resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the Internet.

Limitation of Liability; Indemnification

You agree that IMRF, its trustees and employees have no liability with respect to any claims, demands, causes of action or damages (whether direct or indirect, special, incidental, consequential or punitive) as a result of your use of this Website or in connection with your viewing any information contained on this Website. You agree to use this Website and submit information at your own risk.

You agree to defend, indemnify and hold IMRF, its trustees and employees harmless from and against any claims, actions or demands, liabilities and settlements including, without limitation, reasonable legal fees, resulting from, or alleged to result from, your use of this Website.

Links to Other Websites

Some areas of this Website may provide links to other external sites that IMRF does not own, control, monitor, verify or influence. Information contained in the external sites is not endorsed, authorized, monitored or verified by IMRF. IMRF references sites that it believes may be useful or of interest to you, but IMRF is not responsible for the privacy practices or content used by other site owners. Accordingly, IMRF does not make any representation regarding the accuracy of such content. Your use of such external sites may be subject to such other sites' terms of use.

Security; Use Restrictions

You may not use any device, software, routine or agent to interfere or attempt to interfere with the proper operation of this Website, or with the security of this Website, or any services, system resources, accounts, servers, or networks connected to or accessible through this Website. You may not intentionally take any action that imposes an unreasonable or disproportionately large load on IMRF's infrastructure. You may not create or use a false identity on this Website.

Information Collected from Users

IMRF routinely gathers data on usage of this Website, such as how many people visit this Website, the sections they visit, what time they visit, how long they stay, etc. Please know that Website visitor data is collected on an aggregate, anonymous basis. That means no personal information is associated with this data. Visit IMRF's Website Privacy Statement for more information on our commitment to protect information provided through the Internet.

How to Correct or Update Your Information

If you note any inaccuracies with regard to any personal information that we have about you, or if you wish to update any such information, you should fill out and submit a Member Information Change form (Form 6.20), available through your Member Access account or online.

Type of Information Displayed on this Website

Other than specific account-related information, any information contained on this Website is general in nature and is not a substitute for consulting a financial planner. It is not meant to replace the advice of financial planning professionals. This Website highlights IMRF and is for educational purposes only.
The amounts provided by our online pension estimators (including our Member Access Pension Estimator) are estimates only and do not commit IMRF to your future pension benefits. These estimates are based upon certain projections and assumptions, including data that you enter. Your actual benefits will be determined when you retire and will be based on actual records.

Ownership

All information and content on this Website is solely and exclusively the property of IMRF unless otherwise noted, and may be protected by copyright, trademark and other intellectual property laws. Unauthorized use of such information and content may violate IMRF's intellectual property rights. IMRF grants you a limited, nonexclusive license to display and otherwise use this Website solely for informational, noncommercial purposes and to print pages from this Website in connection with such use. IMRF reserves all other rights. You may not modify, perform, publish, license, create derivative works from, transfer or sell any text, graphics, logos and other source-identifying symbols, designs, icons, images, software or other content, products or services obtained from this Website. You may not reverse-engineer, disassemble or decompile any software (including tools, utilities, modules, applets and applications) included in any of the foregoing, or used to manipulate, transmit or display any of the foregoing.

Updates to Legal Disclaimer

IMRF may change or update this Legal Disclaimer from time to time without notice.

BY USING THIS WEBSITE, YOU ACKNOWLEDGE AND CONFIRM THAT YOU HAVE READ AND UNDERSTAND ALL OF THE ABOVE CONDITIONS, TERMS, POLICIES, PROVISIONS, DISCLOSURES AND DISCLAIMERS, AND THAT YOU EXPRESSLY AGREE TO BE BOUND BY THEM.

Employer Access Privacy Policy

At the Illinois Municipal Retirement Fund (IMRF), we know the importance of data security. We are committed to protecting the information and data you provide via Employer Access in the same way we protect it when you provide it to us over the phone, in person or through the mail. Because we value your relationship with us, we have detailed below our privacy objectives for our Website:

Security Practices

We attempt to protect online information according to established security standards and practices, and we continually evaluate new technologies for safeguarding information.

Surveys and Forms

You may have the opportunity to provide information to us through online surveys and forms. We use this information to better understand employer needs and to provide quality services.

IMRF wants your visit to our Website to be productive, informative, and efficient. We use information we obtain from you to help us continually improve the content, functionality and overall usefulness of our Website. Please note that we generally do not collect identifying information about you when you respond to a survey. If a particular form or survey will collect identifying information, we will explicitly state so.

Use of Email

Your Employer Access account contains a secure messaging function that allows you to send email through the secure Employer Access portal. Social Security numbers and other confidential data are protected in the transmission between your computer and IMRF when you use this secure messaging.

Email sent outside of Employer Access may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email transmission. An email transmission may be stored, copied, altered or destroyed at any point during transmission. You should never use regular email to transmit a Social Security number or other confidential data.

If you do contact IMRF via email, we may preserve the content of your message, your email address, and our response so that we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements.

IMRF will never send you an email that requests confidential information, such as a Social Security number, your user ID and password, or other personal information.

However, we do send you email that requests you to log in to your secure Employer Access account to view information specific to your account. Such emails will always direct you to visit www.imrf.org and to log in to your secure account.

If you receive an email that directs you to another website or asks for confidential information, do not respond and contact IMRF immediately at 1-800-ASK-IMRF (1-800-275-4673).

We do not share the email addresses of IMRF employers with any third parties.

Confidentiality

To ensure the integrity and confidentiality of your Employer Access account, you should:

Not disclose your user ID and password to anyone

Not place your user ID or password in an accessible location

Not leave the computer unattended while you are logged in to your Employer Access account

Always log off of IMRF’s secure areas when you are finished viewing or submitting information.

As you browse IMRF Online’s non-secure areas, no personal information is revealed or recorded about you. Our server does log information about your service provider, the date and time pages are accessed, and (if applicable) the internet address linking you to IMRF Online. This information is used solely for tracking the site’s usage and performance. IMRF does not share this data with any third parties.

Updates to the Statement

Evolving technology will continue to provide us with new and better ways to use the web to better serve your needs. We may revise or update the IMRF Privacy Statement in the future to reflect these technological advances, and we encourage you to return to this page from time to time for any updates.

Employer Access Legal Disclaimer

Accuracy of Information

At all times, the provisions of the Illinois Pension Code govern the terms and conditions of the Illinois Municipal Retirement Fund (IMRF) and all benefits payable. In case of any conflict between the Pension Code and public information found or provided on this website or data submitted by an employer, the Pension Code will always apply.

IMRF has made every effort to present the public information contained on this site accurately, but additions, deletions and changes may occur and updates may not always be timely. The public information is also limited in nature and does not contain all the applicable terms, conditions, limitations or exclusions of the IMRF plan. Complete terms, conditions, limitations and exclusions are found in the Illinois Pension Code. Information supplied by IMRF is provided "as is" and neither IMRF nor its trustees or employees make any representation or warranty with respect to the content or information furnished hereunder.

The information found via the secure areas of IMRF Online accurately reflects IMRF’s current record. This record can change because of an IMRF audit or because of new data received from the employer or member.

Employer and member paper forms are date stamped when IMRF processes them into our imaging system. This date is then used as the date of receipt in IMRF’s system. Paper forms may require a few days for processing. If a submitted paper form is not shown today, please check back at another time. Information submitted electronically through Employer Access is immediately entered into the IMRF system.

There are risks associated with using the Internet, including, without limitation, the failure of hardware, software and/or Internet connections. IMRF is not responsible for any failures, distortions, delays, or other problems resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the Internet.

Limitation of Liability; Indemnification

IMRF communicates electronically with participating employers through their Authorized Agents. It is an Authorized Agent's responsibility to regularly log on to Employer Access in order to remain current regarding the administration of the IMRF plan for the employer. Every employer with an Employer Access account is presumed to receive all communications sent by IMRF via Employer Access.

You agree that IMRF, its trustees and employees have no liability with respect to any claims, demands, causes of action or damages (whether direct or indirect, special, incidental, consequential or punitive) as a result of your use of this Website or in connection with your viewing or failing to view any information contained on this Website.

You agree to defend, indemnify and hold IMRF, its trustees and employees harmless from and against any claims, actions or demands, liabilities and settlements including, without limitation, reasonable legal fees, resulting from, or alleged to result from, your use of this Website.

Links to Other Websites

Some areas of this Website may provide links to other external sites that IMRF does not own, control, monitor, verify or influence. Information contained in the external sites is not endorsed, authorized, monitored or verified by IMRF. IMRF references sites that it believes may be useful or of interest to you, but IMRF is not responsible for the privacy practices or content used by other site owners. Accordingly, IMRF does not make any representation regarding the accuracy of such content. Your use of such external sites may be subject to such other sites' terms of use.

Security; Use Restrictions

Each person using Employer Access must have a unique account. The IMRF Authorized Agent is required to set up separate accounts for every employee who will submit information or otherwise use Employer Access. An account holder may not allow another person to log in using his/her Employer Access ID. To do so is a violation of the IMRF Employer Access security policy.

You may not create or use a false identity on this Website.

IMRF employs certain security procedures and processes to protect this Website.
You may not use any device, software, routine or agent to interfere or attempt to interfere with the proper operation of this Website, or with the security of this Website, or any services, system resources, accounts, servers, or networks connected to or accessible through this Website. You may not intentionally take any action that imposes an unreasonable or disproportionately large load on IMRF's infrastructure.

Information Collected from Users

IMRF routinely gathers data on usage of this Website, such as how many people visit this Website, the sections they visit, what time they visit, how long they stay, etc. Please know that Website visitor data is collected on an aggregate, anonymous basis. That means no personal information is associated with this data. Visit IMRF's Website Privacy Statement for more information on our commitment to protect information provided through the Internet.

How to Correct or Update Your Information

If you note any inaccuracies with regard to any information that we have about one of your employees or your employer, or if you wish to update any such information, you should submit an on-line Member Information Change form or contact us at 1-800-ASK-IMRF (1-800-275-4673) or in writing.

Ownership

All information and content on this Website is solely and exclusively the property of IMRF unless otherwise noted, and may be protected by copyright, trademark and other intellectual property laws. Unauthorized use of such information and content may violate IMRF's intellectual property rights. IMRF grants you a limited, nonexclusive license to display and use this Website solely for purposes related to your administration of the IMRF plan. IMRF reserves all other rights. You may not modify, perform, publish, license, create derivative works from, transfer or sell any text, graphics, logos and other source-identifying symbols, designs, icons, images, software or other content, products or services obtained from this Website. You may not reverse-engineer, disassemble or decompile any software (including tools, utilities, modules, applets and applications) included in any of the foregoing, or used to manipulate, transmit or display any of the foregoing.

Updates to Legal Disclaimer

IMRF may change or update this Legal Disclaimer from time to time without notice.

BY USING THIS WEBSITE, YOU ACKNOWLEDGE AND CONFIRM THAT YOU HAVE READ AND UNDERSTAND ALL OF THE ABOVE CONDITIONS, TERMS, POLICIES, PROVISIONS, DISCLOSURES AND DISCLAIMERS, AND THAT YOU EXPRESSLY AGREE TO BE BOUND BY THEM.

The IMRF website provides a brief summary of IMRF benefits and the administration of those benefits. IMRF members' and employers' rights and obligations are governed by Article 7 of the Illinois Pension Code. Statements on the IMRF website are general, and the Illinois state law governing IMRF is complex and specific. If a conflict arises between information in the IMRF website and the law, all decisions are based on the law.